Spring Insurance Checklist for Massachusetts Homeowners

Written By Kyle Bishop

We are dedicated to providing outstanding service and support.

Contact LBP Today
Homeowners Insurance

Spring in Massachusetts is when everything starts moving again. Homes get opened up, projects start, and people begin spending more time outside.

It’s also one of the best times to review your homeowners insurance.

We see this all the time. Homeowners haven’t looked at their policy in years, and a lot has changed.

Why Spring Is the Right Time to Review

Winter can be tough on homes here in New England.

  • Ice dams

  • Roof wear

  • Frozen pipes

  • Water damage

Spring is when those issues show up, and when coverage gaps become clear.

Spring Insurance Checklist

Here are a few things every Massachusetts homeowner should review:

1. Coverage Limits

Has your home value increased?

Construction costs have gone up, and many homes are underinsured without realizing it.

2. Roof and Exterior Condition

If your roof is older or has damage, it can impact coverage or claims.

3. Water and Sewer Backup Coverage

Most people don’t realize this is not always included.

We see claims from this every year.

4. Personal Property Coverage

Have you added anything valuable?

Furniture, electronics, renovations. These all matter.

5. Liability Protection

If you’re having people over, using your yard more, or have a pool, liability becomes more important.

What We See All the Time

  • Policies not updated after renovations

  • Home values that are too low

  • Missing coverage for water backup

  • Assumptions that everything is covered

Most people don’t find out until they try to file a claim.

Real World Situations

  • A finished basement floods and isn’t fully covered

  • A roof claim gets denied due to age or condition

  • A guest gets injured on the property

  • A renovation increases value but not coverage

These are common, not rare.

Simple Steps to Take

  • Review your policy once a year

  • Update your agent after any major changes

  • Ask what’s not covered, not just what is

Final Thought

Your homeowners insurance should evolve with your home.

If it’s been a while since you’ve reviewed it, now is a good time.

LBP Insurance can walk through your current policy and help make sure everything lines up with your home today. Contact LPB today!

Kyle Bishop http://www.KRBishop.com
Next

Property Managers Looking for Master Condo Insurance